| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | PO BOX 818078 CLEVELAND, OH 441818078 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $271K | $301K | 3.04% |
| ONE80 INTERMEDIARIES INC3 | 4555 LAKE FOREST DR STE 510 BLUE ASH, OH 452423732 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 0.69% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | RELIASTAR LIFE INSURANCE COMPANY | $136K | $117K | $253K | 13.00% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 334861018 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.05% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $212K | $212K | 13.98% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $157K | — | $157K | 10.36% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | BCS INSURANCE COMPANY | $76K | — | $76K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $86K | $14K | $100K | 16.53% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $6K | $40K | 11.68% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $5K | $33K | 11.62% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 818078 CLEVELAND, OH 441818078 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 6.32% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $21K | — | $21K | 18.00% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUTIE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $17K | $17K | 14.50% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | 4 EVER LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | SECURIAN LIFE INSURANCE COMPANY | $6K | $984 | $7K | 17.27% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $3K | $3K | 13.75% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| BENEFITS NETWORK INSURANCE AGENCY3 Filed as: BENEFITS NETWORK INS. AGENCY, INC. | 4555 LAKE FOREST DRIVE, SUITE 510 CINCINNATI, OH 45242 | BCS INSURANCE COMPANY | $942 | — | $942 | 5.00% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $73 | — | $73 | 17.98% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $59 | $59 | 14.53% |
| BENEFIT NETWORK INS. AGENCY, INC.3 | 4555 LAKE FOREST DRIVE, SUITE 510 CINCINNATI, OH 45242 | 4 EVER LIFE INSURANCE COMPANY | $20 | — | $20 | 4.93% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 13,621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 291 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,950 | $11.4M |
| Dental | BCS INSURANCE COMPANY | 1,037 | $1.5M |
| Vision | BCS INSURANCE COMPANY | 1,037 | $1.5M |
| Life insurance(5 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,665 | $892K |
| Short-term disability(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 806 | $462K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 773 | $280K |
| Prescription drug(2 contracts) | BCS INSURANCE COMPANY | 1,037 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,915 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,950 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.